I recently complained about my inability to refinance my home loan, despite being reassured that I was approved, despite paying non-refundable fees to get the process underway, despite having perfect credit, verifiable income, no debt and no history of non-payment. But now I’ve learned it could have been so much worse. Dave Johnson writes at Alternet about the struggles of homeowners Norman and Oriane Rousseau, solicited to refinance their house, only to have the deal go bad when the mortgager, Wells Fargo, faked their signatures, their income, and even the interest rate and loan type they believed they were applying for. After issues of “lost payments” that the Rousseaus could confirm and the bank denied, hidden fees, late fees and notices of foreclosures that went on and off for months, a series of harassing phone calls and a notice of eviction eventually lead Norman to ...